Real-time grading method and grading system for credit of users

Abstract

The invention brings forward a real-time grading method for credit of users. The method comprises the following steps: a data acquisition step of acquiring basic data of users through internet, a dataprocessing step of importing acquired basic data into dataflow computation cluster for real-time data processing, a grading step of importing processed basic data into one or multiple grading modelsand grading the processed basic data, wherein one or multiple grading models is / are established according to existing data, a data storage and feedback step of saving the basic data, the processed basic data and grades into a database and acquiring feedback information, a model evaluation and optimization step of evaluating and optimizing the one or multiple grading models and the dataflow computation cluster according to the saved basic data, the processed basic data, the grades and the feedback information, and an update step of updating the applied one or multiple grading models and the dataflow computation cluster according to optimized one or multiple grading models and the dataflow computation cluster. The invention also puts forward a real-time grading system for credit of users.

Description

technical field [0001] The present invention relates to Internet technology, and more specifically, to user evaluation technology in the field of Internet finance. Background technique [0002] Internet finance has developed rapidly with the development of Internet technology. Unlike the traditional financial industry, most operations of Internet finance are done online rather than on site. Internet finance is characterized by fast and convenient operation, full online operation, and no need for on-site processing, which greatly improves the convenience of users, so it has been widely welcomed and developed rapidly. [0003] However, Internet finance operated online also faces some difficulties. Risk control is the life of finance, and different financial forms have different requirements for risk control. Traditional finance is more inclined to offline risk control, and audits are conducted through on-the-spot collection of customer information, credit investigations, ce...

AI Technical Summary

Problems solved by technology

[0004] First of all, after the user submits the information, the review result cannot be obtained online in real time (or in a short period of time), and the results are still waiting for the manual review according to the processing batch, which does not meet the rhythm requirements of Internet finance in essence.

[0005] Secondly, the audit content of this audit method is basically the same as that of the traditional offline audit, but the audit time is shortened. Due to the reduced audit time, the audit content has not changed significantly, so the identification rate of potential risks may be reduced, which brings great benefits to enterprises. bring risks

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